I have tried to enter the PIN several times, and now the system says that my account is locked.

The system automatically locks an account following a certain number of failed login attempts. Your account will be unlocked automatically after a few hours.

How can I withdraw Perfect Money funds into my bank card? Is there any fee?

Unfortunately at this time this operation cannot be processed directly. However, you can contact one of our Certified Exchange Service providers and they might be able to help you. The commission for this service will be set by the exchange service provider of your choice.

Perfect Money together with its partners has developed a large variety of modules
for the most popular Internet shopping carts. Having implemented one of the
modules of API Merchants to your shop/site you will immediately provide your
clients with one more payment option including payment by Perfect Money e-currency,
e-Vouchers and Prepaid Cards, SMS Payments, Bank Wire Transfers.